{"took":311,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":13324,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"8740684","_score":17.425068,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint Regarding Fraudulent Unauthorized Hard Inquiries by XXXX XXXX and XXXX on Experian Credit Report Dear Sir/Madam , I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding fraudulent and unauthorized hard inquiries on my Experian credit report. On XX/XX/2024, I discovered unauthorized inquiries made by both XXXX XXXX and XXXX, which have adversely affected my credit score and financial standing. As a resident of South Carolina, I am cognizant of the credit laws both at the state and national levels that safeguard consumers from such unauthorized inquiries. Under the Fair Credit Reporting Act ( FCRA ) and South Carolinas consumer protection laws, consumers have the right to dispute inaccurate information on their credit reports and have it rectified or removed promptly. The unauthorized hard inquiries conducted by both XXXX XXXX and XXXX not only contravene these established consumer protection laws but also erode the trust and reliability of the credit reporting system. It is imperative that immediate action is taken to rectify these incidents and expunge the unauthorized inquiries from my Experian credit report. I request that the Consumer Financial Protection Bureau intervenes on my behalf to ensure that both XXXX XXXX and XXXX adhere to all pertinent laws and regulations and take prompt action to remove the unauthorized inquiries from my credit report. Additionally, I expect comprehensive written explanations from both entities regarding the unauthorized inquiries and demand that appropriate measures be implemented to prevent future occurrences. Please give this formal complaint your utmost attention and expedite the resolution process, as the integrity of my credit report and financial stability are in jeopardy. I appreciate your prompt assistance in addressing this matter. Sincerely, XXXX XXXX","date_sent_to_company":"2024-04-10T13:51:15.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"29501","tags":null,"has_narrative":true,"complaint_id":"8740684","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-04-10T13:45:26.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["Subject : Formal <em>Complaint</em> Regarding Fraudulent Unauthorized Hard Inquiries by XXXX XXXX and XXXX on Experian Credit Report Dear Sir/Madam , I am writing to file a formal <em>complaint</em> with the <em>Consumer</em> <em>Financial</em> <em>Protection</em> Bureau regarding fraudulent and unauthorized hard inquiries on my Experian credit report. On XX/XX/2024, I discovered unauthorized inquiries made by <em>both</em> XXXX XXXX and XXXX, which have adversely affected my credit score and <em>financial</em> standing."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[17.425068,"8740684"]},{"_index":"complaint-public-v1","_id":"16942153","_score":16.398327,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, D.C. XXXX From : [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX. XXXX XXXX ] [ XXXXXXXX XXXX XXXXXXXX ] Subject : Formal Complaint Against XXXX XXXX XXXX and ChexSystems for Failure to Respond to Lawful Consumer Disputes Under the Fair Credit Reporting Act ( FCRA ) -- - Complaint : I, [ XXXX XXXX XXXX ], hereby submit this formal complaint to the Consumer Financial Protection Bureau pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), which mandates that consumer reporting agencies investigate all disputes regarding the accuracy or completeness of consumer information within thirty ( 30 ) days of receipt. On or about [ insert dates ], I duly submitted dispute requests to both XXXX XXXX XXXX XXXX XXXX and ChexSystems , Inc., challenging the accuracy and validity of the information they continue to maintain in their databases concerning my banking history. \n\nDespite the statutory obligation imposed by 15 U.S.C. 1681i ( a ) to conduct a reasonable reinvestigation and provide written results, both entities failed to respond to my lawful disputes. This noncompliance constitutes a direct violation of federal consumer protection law and has caused me continuing harm by precluding access to essential financial services, including the opening of legitimate depository accounts. \n\n\n\nThis matter requires urgent attention, as both entities unlawful inaction continues to materially hinder my right to participate in the banking system and maintain financial stability. \n\nRespectfully submitted,","date_sent_to_company":"2025-10-31T23:34:41.000Z","issue":"Incorrect information on your report","sub_product":"Other personal consumer report","zip_code":"94541","tags":null,"has_narrative":true,"complaint_id":"16942153","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Fidelity National Information Services, Inc. (FNIS)","date_received":"2025-10-31T23:30:05.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information is incorrect"},"highlight":{"complaint_what_happened":["<em>Consumer</em> <em>Financial</em> <em>Protection</em> Bureau XXXX. XXXX XXXX Washington, D.C. XXXX From : [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"sub_product":["Other personal <em>consumer</em> report"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[16.398327,"16942153"]},{"_index":"complaint-public-v1","_id":"3110969","_score":16.235159,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/2018, I filed a complaint regarding the unprofessional conduct at Midwest Service Bureau with the Consumer Financial Protection Bureau. While completing the complaint I inadvertently activated the auto-fill feature on the family computer which auto-populated the address and changed the name from XXXX XXXX to XXXX XXXX XXXX. \n\nIn the initial complaint number XXXX that I filed a complaint against Midwest Service Bureau due to their unethical conduct. Specifically, the clear conflict of interests in accepting accounts that Midwest Service Bureau engages in and the coercive positions it places consumers in.\n\nIn my initial complaint, I made a reasonable request that Midwest Service Bureau close the account due to the conflict of interest. Their response was nothing more than defamatory and libelous statements provided to the consumer financial protection bureau without providing any response to the request to close the account or an answer to the dispute. \n\nAdditionally, not only do the statements about my son not only have nothing to do with the heart of the complaint the statements are both unconscionable and highly irregular. As such, the statements provided to Midwest Service Bureaus response both make a mockery of complaint process with the consumer financial protection bureau as well as show a clear need for federal and state oversight. \n\nFinally, it would appear that I do not have the same rights as any other consumer when it comes to filing a complaint with the appropriate regulatory agency. I say this because I filed a complaint against Midwest Service Bureau and instead of addressing the actual allegations Midwest Service Bureau instead engaged in frivolous assaults on my son. Does this mean that I can not make a complaint regarding unethical behavior without having to fear retribution against me or my family?","date_sent_to_company":"2018-12-27T19:33:18.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Medical debt","zip_code":"67217","tags":null,"has_narrative":true,"complaint_id":"3110969","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Midwest Service Bureau, Inc.","date_received":"2018-12-27T19:11:49.000Z","state":"KS","company_public_response":null,"sub_issue":"Threatened to sue you for very old debt"},"highlight":{"complaint_what_happened":["As such, the statements provided to Midwest Service Bureaus response <em>both</em> make a mockery of <em>complaint</em> process with the <em>consumer</em> <em>financial</em> <em>protection</em> bureau as well as show a clear need for federal and state oversight. \n\nFinally, it would appear that I do not have the same rights as any other <em>consumer</em> when it comes to filing a <em>complaint</em> with the appropriate regulatory agency."]},"sort":[16.235159,"3110969"]},{"_index":"complaint-public-v1","_id":"8108779","_score":16.054949,"_source":{"product":"Checking or savings account","complaint_what_happened":"This complaint is the follow-up of the complaint ID XXXX that the Consumer Financial Protection Bureau ( CFPB ) closed it down UNFAIRLY. \n\nI am writing this complaint to complain to both Capital One, and the Consumer Financial Protection Bureau ( CFPB ). \n\nI am complaining that the employees of the Consumer Financial Protection Bureau did not read my original complaint then UNFAIRLY close the complaint down. You are a federal government agency. You need to be fair. \n\nI am complaining that the employee \" XXXX '' of Capital One did not read everything and NEVER respond to the complaint ID XXXX. \n\nIn my original complaint of the complaint ID XXXX, I said that the employee XXXX XXXX XXXX of Capital One is a lazy person, did not do everything throughoutly. I said that I went back to my bank statement and check over the transactions on XX/XX/2023 and found that XXXX took out all seven transactions each of {$7.00}, they did not credit me back anything. The employee \" XXXX '' of Capital One lied. She did not even read my entire complaint and requested her to check her work. She only sent the response that she previously sent to the XXXX XXXX XXXX","date_sent_to_company":"2024-01-04T11:06:39.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"8108779","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-01-04T10:42:16.000Z","state":"VA","company_public_response":null,"sub_issue":"Money was taken from your account on the wrong day or for the wrong amount"},"highlight":{"complaint_what_happened":["This <em>complaint</em> is the follow-up of the <em>complaint</em> ID XXXX that the <em>Consumer</em> <em>Financial</em> <em>Protection</em> Bureau ( CFPB ) closed it down UNFAIRLY. \n\nI am writing this <em>complaint</em> to complain to <em>both</em> Capital One, and the <em>Consumer</em> <em>Financial</em> <em>Protection</em> Bureau ( CFPB ). \n\nI am complaining that the employees of the <em>Consumer</em> <em>Financial</em> <em>Protection</em> Bureau did not read my original <em>complaint</em> then UNFAIRLY close the <em>complaint</em> down. You are a federal government agency. You need to be fair."],"company":["CAPITAL ONE <em>FINANCIAL</em> CORPORATION"]},"sort":[16.054949,"8108779"]},{"_index":"complaint-public-v1","_id":"12133159","_score":15.875882,"_source":{"product":"Debt collection","complaint_what_happened":"it's illegal for creditors to include medical bills on credit reports, as of XX/XX/year>. This rule was finalized by the Consumer Financial Protection Bureau ( CFPB ). \nAfter I filed a complaint with cfpb and only after I filed a complaint, did they then posted a second debt from the same medical facility. I owe no copay or out of pocket. Attached are both my insurances cards. \nThis is illegal to be posted on my credit report and am asking for both to be taken off immediately.","date_sent_to_company":"2025-02-25T23:31:11.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"89031","tags":null,"has_narrative":true,"complaint_id":"12133159","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PlusFour, Inc","date_received":"2025-02-19T21:36:16.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["This rule was finalized by the <em>Consumer</em> <em>Financial</em> <em>Protection</em> Bureau ( CFPB ). \nAfter I filed a <em>complaint</em> with cfpb and only after I filed a <em>complaint</em>, did they then posted a second debt from the same medical facility. I owe no copay or out of pocket. Attached are <em>both</em> my insurances cards. \nThis is illegal to be posted on my credit report and am asking for <em>both</em> to be taken off immediately."],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[15.875882,"12133159"]},{"_index":"complaint-public-v1","_id":"8460006","_score":15.68781,"_source":{"product":"Checking or savings account","complaint_what_happened":"Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX Subject : Formal Complaint Against Wells Fargo for Fraudulent Activities Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Wells Fargo regarding fraudulent activities that have occurred with my accounts. This is a recurring issue, as I previously received a settlement check dated XX/XX/year>. Unfortunately, the recent incident involving the fraudulent opening of XXXX accounts and unauthorized enrollment in services like XXXX credit protection and XXXX has left me deeply concerned. \n\nI did not provide consent for these actions, and this breach of trust by Wells Fargo has resulted in both emotional distress and financial damage. The {$31.00} check issued in response to this issue is insufficient to address the extent of the harm caused. I am seeking immediate resolution of this matter and fair compensation for the emotional and punitive damages incurred due to Wells Fargo 's illegal and criminal behavior. \n\nThis continuous pattern of unauthorized account activities is unacceptable, and I urge the Consumer Financial Protection Bureau to investigate and take appropriate actions to hold Wells Fargo accountable. \n\nThank you for your prompt attention to this matter.","date_sent_to_company":"2024-03-01T16:30:22.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Other banking product or service","zip_code":"33062","tags":null,"has_narrative":true,"complaint_id":"8460006","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-03-01T16:16:27.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["<em>Consumer</em> <em>Financial</em> <em>Protection</em> Bureau XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX Subject : Formal <em>Complaint</em> Against Wells Fargo for Fraudulent Activities Dear <em>Consumer</em> <em>Financial</em> <em>Protection</em> Bureau, I am writing to file a formal <em>complaint</em> against Wells Fargo regarding fraudulent activities that have occurred with my accounts. This is a recurring issue, as I previously received a settlement check dated XX/XX/year>."],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[15.68781,"8460006"]},{"_index":"complaint-public-v1","_id":"11814986","_score":15.683555,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"**Summary of My Complaint Against Equifax : ** I am filing this complaint against Equifax for failing to properly investigate disputes regarding inaccuracies on my credit report, despite my submitting the required documentation. Equifaxs failure to conduct a thorough investigation is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies investigate disputes and correct any inaccuracies in a timely and accurate manner. Their actions have left my credit report reflecting incorrect information, which negatively impacts my financial standing. \n\nFurthermore, Equifaxs conduct may also violate the Consumer Financial Protection Act ( CFPA ), especially in light of the recent administrative proceeding brought against the company by the Consumer Financial Protection Bureau ( CFPB ) for similar violations. This further underscores a pattern of noncompliance by Equifax with federal consumer protection laws. \n\nI am requesting that the CFPB take action to ensure Equifax complies with federal law, conducts proper investigations into disputes, and provides consumers, like myself, with the necessary proof of investigation as required by both the FCRA and the CFPA.","date_sent_to_company":"2025-01-28T22:46:44.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"35811","tags":null,"has_narrative":true,"complaint_id":"11814986","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-28T22:20:47.000Z","state":"AL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Their actions have left my credit report reflecting incorrect information, which negatively impacts my <em>financial</em> standing. \n\nFurthermore, Equifaxs conduct may also violate the <em>Consumer</em> <em>Financial</em> <em>Protection</em> Act ( CFPA ), especially in light of the recent administrative proceeding brought against the company by the <em>Consumer</em> <em>Financial</em> <em>Protection</em> Bureau ( CFPB ) for similar violations. This further underscores a pattern of noncompliance by Equifax with federal <em>consumer</em> <em>protection</em> laws."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[15.683555,"11814986"]},{"_index":"complaint-public-v1","_id":"11592810","_score":15.560593,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am submitting a formal complaint against Cash App, operated by Block , Inc., on the grounds of inadequate customer service and unfair business practices in violation of the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to implement timely and effective measures to prevent and address fraudulent activity on its platform, thereby compromising the security and protection of my account.\n\nAdditionally, the companys dispute resolution process was both unfair and deceptive, failing to adhere to the error resolution requirements mandated under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These failures have resulted in substantial financial loss and inconvenience. Accordingly, I am seeking appropriate legal redress to remedy these violations and ensure compliance with applicable consumer protection laws.","date_sent_to_company":"2025-01-20T15:02:52.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"60440","tags":null,"has_narrative":true,"complaint_id":"11592810","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-01-20T14:53:41.000Z","state":"IL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I am submitting a formal <em>complaint</em> against Cash App, operated by Block , Inc., on the grounds of inadequate customer service and unfair business practices in violation of the <em>Consumer</em> <em>Financial</em> <em>Protection</em> Act ( CFPA ). Specifically, Cash App failed to implement timely and effective measures to prevent and address fraudulent activity on its platform, thereby compromising the security and <em>protection</em> of my account."]},"sort":[15.560593,"11592810"]},{"_index":"complaint-public-v1","_id":"11751900","_score":15.49863,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am writing to submit a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding my experience with Capital One. I am filing a complaint against Capital One regarding their deceptive practices related to their 360 \" high yield interest '' savings accounts. Capital One misrepresented their 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for myself and many others, breaching both the Consumer Financial Protection Act and the Truth in Savings Act. I am seeking redress for these misleading practices and their failure to fulfill their obligations to customers. I am requesting that the CFPB investigate this matter and take appropriate action to ensure such deceptive practices are addressed and that affected customers receive proper compensation for their losses.","date_sent_to_company":"2025-01-24T20:57:51.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"22202","tags":null,"has_narrative":true,"complaint_id":"11751900","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-01-24T20:50:37.000Z","state":"VA","company_public_response":null,"sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["This deliberate obscurity and lack of transparency violated <em>consumer</em> trust and resulted in significant <em>financial</em> losses for myself and many others, breaching <em>both</em> the <em>Consumer</em> <em>Financial</em> <em>Protection</em> Act and the Truth in Savings Act. I am seeking redress for these misleading practices and their failure to fulfill their obligations to customers."],"company":["CAPITAL ONE <em>FINANCIAL</em> CORPORATION"]},"sort":[15.49863,"11751900"]},{"_index":"complaint-public-v1","_id":"11515872","_score":15.454456,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding ongoing violations of federal privacy laws and improper reporting practices by both XXXX and Equifax. These credit reporting agencies are unlawfully reporting charge-offs and other financial information on my credit report, which constitutes a violation of my rights under the Right to Financial Privacy Act, 12 U.S.C. 3401, as well as other federal consumer protection laws. \n\nIt has come to my attention that XXXX and Equifax have been reporting charge-offs and related financial information that effectively disclose my personal income or financial standing without my explicit consent. Reporting such information is not only inaccurate and misleading, but it also violates my privacy rights. \n\nUnder federal law, consumers have the right to control the dissemination of their personal financial information. The following laws are relevant to this complaint : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 ( b ) : The FCRA mandates that credit reporting agencies must ensure the accuracy of the information they report and limits the use of consumer reports to permissible purposes only. I have not provided explicit consent for either XXXX or Equifax to report this personal financial information. \nFair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( b ) : The FDCPA prohibits the unauthorized disclosure of consumer information to third parties. By reporting my financial information without my consent, both XXXX and Equifax are in violation of this provision.\n\nConsumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 : The CFPA prohibits unfair, deceptive, or abusive acts or practices ( UDAAPs ) by financial institutions. The unauthorized reporting of my personal financial information falls under unfair and abusive practices.\n\nRight to Financial Privacy Act, 12 U.S.C. 3401 : This law protects consumers from the unauthorized disclosure of personal financial information. The actions of XXXX and Equifax violate this statute by reporting charge-offs that effectively disclose my financial status without my consent.\n\nDetails of My Complaint Both XXXX and Equifax have reported charge-offs and other financial data on my credit reports that disclose information about my personal financial standing. These entries are harmful to my credit profile, and I have never provided consent for this information to be collected or shared with third parties. This unauthorized reporting has negatively impacted my ability to obtain credit, employment, and housing. \n\nI have formally disputed these inaccurate items with both XXXX and Equifax, but they have failed to properly investigate and remove the disputed information. Instead, they continue to report this data, in violation of federal law. \n\nMy Request to the CFPB I am requesting that the CFPB take immediate action to investigate the following violations by XXXX and Equifax : Improper reporting of charge-offs and financial information without consumer consent. \n\nFailure to conduct proper investigations of disputed items, as required by the FCRA. \nViolation of privacy rights under the Right to Financial Privacy Act. \n\nFurthermore, I request that the CFPB ensure that both XXXX and Equifax : Permanently remove any unauthorized or inaccurate financial information from my credit reports. \n\nCease reporting charge-offs and other financial information that effectively disclose my personal income or financial status without my explicit consent. \n\nProvide me with a corrected credit report that reflects the removal of all unauthorized items.","date_sent_to_company":"2025-01-15T02:48:21.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30331","tags":null,"has_narrative":true,"complaint_id":"11515872","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-15T02:36:37.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am submitting this formal <em>complaint</em> to the <em>Consumer</em> <em>Financial</em> <em>Protection</em> Bureau ( CFPB ) regarding ongoing violations of federal privacy laws and improper reporting practices by <em>both</em> XXXX and Equifax. These credit reporting agencies are unlawfully reporting charge-offs and other <em>financial</em> information on my credit report, which constitutes a violation of my rights under the Right to <em>Financial</em> Privacy Act, 12 U.S.C. 3401, as well as other federal <em>consumer</em> <em>protection</em> laws."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[15.454456,"11515872"]},{"_index":"complaint-public-v1","_id":"11513161","_score":15.434176,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding ongoing violations of federal privacy laws and improper reporting practices by both TransUnion and XXXX. These credit reporting agencies are unlawfully reporting charge-offs and other financial information on my credit report, which constitutes a violation of my rights under the Right to Financial Privacy Act, 12 U.S.C. 3401, as well as other federal consumer protection laws. \n\nIt has come to my attention that TransUnion and XXXX have been reporting charge-offs and related financial information that effectively disclose my personal income or financial standing without my explicit consent. Reporting such information is not only inaccurate and misleading, but it also violates my privacy rights. \n\nUnder federal law, consumers have the right to control the dissemination of their personal financial information. The following laws are relevant to this complaint : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 ( b ) : The FCRA mandates that credit reporting agencies must ensure the accuracy of the information they report and limits the use of consumer reports to permissible purposes only. I have not provided explicit consent for either TransUnion or XXXX to report this personal financial information. \n\nFair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( b ) : The FDCPA prohibits the unauthorized disclosure of consumer information to third parties. By reporting my financial information without my consent, both TransUnion and XXXX are in violation of this provision. \n\nConsumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 : The CFPA prohibits unfair, deceptive, or abusive acts or practices ( UDAAPs ) by financial institutions. The unauthorized reporting of my personal financial information falls under unfair and abusive practices.\n\nRight to Financial Privacy Act, 12 U.S.C. 3401 : This law protects consumers from the unauthorized disclosure of personal financial information. The actions of TransUnion and XXXX violate this statute by reporting charge-offs that effectively disclose my financial status without my consent. \n\nDetails of My Complaint Both TransUnion and XXXX have reported charge-offs and other financial data on my credit reports that disclose information about my personal financial standing. These entries are harmful to my credit profile, and I have never provided consent for this information to be collected or shared with third parties. This unauthorized reporting has negatively impacted my ability to obtain credit, employment, and housing. \n\nI have formally disputed these inaccurate items with both TransUnion and XXXX, but they have failed to properly investigate and remove the disputed information. Instead, they continue to report this data, in violation of federal law. \n\nMy Request to the CFPB I am requesting that the CFPB take immediate action to investigate the following violations by TransUnion and XXXX : Improper reporting of charge-offs and financial information without consumer consent. \n\nFailure to conduct proper investigations of disputed items, as required by the FCRA.\n\nViolation of privacy rights under the Right to Financial Privacy Act.\n\nFurthermore, I request that the CFPB ensure that both TransUnion and XXXX : Permanently remove any unauthorized or inaccurate financial information from my credit reports. \n\nCease reporting charge-offs and other financial information that effectively disclose my personal income or financial status without my explicit consent. \n\nProvide me with a corrected credit report that reflects the removal of all unauthorized items.","date_sent_to_company":"2025-01-15T02:48:32.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30331","tags":null,"has_narrative":true,"complaint_id":"11513161","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-15T02:48:29.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am submitting this formal <em>complaint</em> to the <em>Consumer</em> <em>Financial</em> <em>Protection</em> Bureau ( CFPB ) regarding ongoing violations of federal privacy laws and improper reporting practices by <em>both</em> TransUnion and XXXX. These credit reporting agencies are unlawfully reporting charge-offs and other <em>financial</em> information on my credit report, which constitutes a violation of my rights under the Right to <em>Financial</em> Privacy Act, 12 U.S.C. 3401, as well as other federal <em>consumer</em> <em>protection</em> laws."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[15.434176,"11513161"]},{"_index":"complaint-public-v1","_id":"16391524","_score":15.368935,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"To Whom It May Concern, I am writing to formally lodge a complaint regarding Zelles inadequate handling of consumer disputes and its failure to properly investigate fraudulent transactions. My concerns are further supported by the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit, which highlights systemic deficiencies in Zelles consumer protection practices.\n\nDespite having used Zelle numerous times and promptly reporting transaction discrepancies, both my financial institution and Zelle failed to conduct a thorough investigation into my claims. I was informed that the recovery of lost funds was impossible and that the transactions in question could not be tracedresponses that, in my view, reflect a lack of due diligence and disregard for consumer protection obligations under federal law. \n\nThe CFPBs findings indicate that Zelle has not only neglected to safeguard consumers from fraudulent activity but has also permitted repeat offenders to continue exploiting the platform. This lack of oversight has left consumers, including myself, vulnerable to scams and financial harm, without meaningful recourse or restitution. \n\nI respectfully request that this matter be reviewed in light of the CFPBs recent action and that appropriate steps be taken to ensure full investigation, accountability, and consumer protection.","date_sent_to_company":"2025-10-06T16:45:56.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"60623","tags":null,"has_narrative":true,"complaint_id":"16391524","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2025-10-06T16:28:45.000Z","state":"IL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["To Whom It May Concern, I am writing to formally lodge a <em>complaint</em> regarding Zelles inadequate handling of <em>consumer</em> disputes and its failure to properly investigate fraudulent transactions. My concerns are further supported by the recent <em>Consumer</em> <em>Financial</em> <em>Protection</em> Bureau ( CFPB ) lawsuit, which highlights systemic deficiencies in Zelles <em>consumer</em> <em>protection</em> practices."]},"sort":[15.368935,"16391524"]},{"_index":"complaint-public-v1","_id":"2404509","_score":15.3106575,"_source":{"product":"Credit reporting","complaint_what_happened":"XXXX submitted a credit inquiry on my credit report without my consent. XXXX agreed to deleted the inquiry after I filed a complaint with the Consumer Financial Protection Bureau. XXXX added it back to my credit report. I have asked them to remove it and Equifax to investigate it, they have both refused to do so.","date_sent_to_company":"2017-03-27T02:36:50.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"94102","tags":null,"has_narrative":true,"complaint_id":"2404509","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-03-27T02:36:50.000Z","state":"CA","company_public_response":null,"sub_issue":"Reinserted previously deleted info"},"highlight":{"complaint_what_happened":["XXXX agreed to deleted the inquiry after I filed a <em>complaint</em> with the <em>Consumer</em> <em>Financial</em> <em>Protection</em> Bureau. XXXX added it back to my credit report. I have asked them to remove it and Equifax to investigate it, they have <em>both</em> refused to do so."]},"sort":[15.3106575,"2404509"]},{"_index":"complaint-public-v1","_id":"11640331","_score":15.295492,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"am filing a formal complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to implement timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.\n\nAdditionally, their dispute resolution process has been both unfair and deceptive. Cash App has not complied with the error resolution requirements outlined in the Electronic Fund Transfer Act ( EFTA ) and Regulation E, failing to provide the necessary protections and assistance to resolve fraudulent transactions. \n\nAs a result of these failures, I have experienced significant inconvenience and financial loss. I request appropriate redress for the harm caused and urge your office to investigate these concerns to ensure compliance with consumer protection laws.","date_sent_to_company":"2025-01-18T14:48:53.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"34711","tags":null,"has_narrative":true,"complaint_id":"11640331","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-01-18T14:29:59.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["am filing a formal <em>complaint</em> against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices that violate the <em>Consumer</em> <em>Financial</em> <em>Protection</em> Act ( CFPA ). Specifically, Cash App failed to implement timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.\n\nAdditionally, their dispute resolution process has been <em>both</em> unfair and deceptive."]},"sort":[15.295492,"11640331"]},{"_index":"complaint-public-v1","_id":"10607467","_score":15.27535,"_source":{"product":"Debt collection","complaint_what_happened":"Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Against Unlicensed Collection Agency Operating in Mississippi Dear Consumer Financial Protection Bureau , I am filing a complaint against Fair Collections and Outsourcing for attempting to collect a debt in the state of Mississippi without the proper licensing. My understanding is that Mississippi requires collection agencies to be licensed to operate within the state, and Fair Collections and Outsourcing has failed to meet this requirement. \n\nI have made attempts to verify the agencys license status, but they have not provided any proof of licensing, nor have they responded to my requests for verification. This lack of licensure and transparency has caused me significant stress and financial disruption. \n\nI kindly request the CFPBs assistance in investigating this matter to ensure that my rights are protected under both federal and state laws. I have attached copies of all communication related to this issue. \n\nThank you for your attention to this serious concern.","date_sent_to_company":"2024-10-28T04:02:21.000Z","issue":"Written notification about debt","sub_product":"Rental debt","zip_code":"390XX","tags":null,"has_narrative":true,"complaint_id":"10607467","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FAIR COLLECTIONS & OUTSOURCING, INC.","date_received":"2024-10-28T03:57:15.000Z","state":"MS","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["<em>Consumer</em> <em>Financial</em> <em>Protection</em> Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : <em>Complaint</em> Against Unlicensed Collection Agency Operating in Mississippi Dear <em>Consumer</em> <em>Financial</em> <em>Protection</em> Bureau , I am filing a <em>complaint</em> against Fair Collections and Outsourcing for attempting to collect a debt in the state of Mississippi without the proper licensing."],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[15.27535,"10607467"]},{"_index":"complaint-public-v1","_id":"12243241","_score":15.263286,"_source":{"product":"Debt collection","complaint_what_happened":"I am a filing a complaint for XXXX XXXX XXXX  XXXX and Halsted Financial because Im getting harassed for a debt thats not even mine. I had previously disputed this account with XXXX XXXX XXXX  XXXX and the account was removed from my credit report. Now I keep getting text messages from XXXX saying that XXXX XXXX XXXX is threatening to sue me through Halsted Financial. My consumer protection rights are being violated both XXXX XXXX XXXX  XXXX and Halsted Financial. I have previously complained to XXXX XXXX XXXX  about harassing me over this debt which is illegal for them to do. I have copied and paste the text messages into a PDF document and attached it this Consumer Protection Complaint. Im hoping that you can help stop this harassment and collection of debt thats not even owed. The account was already previously removed from my XXXX, XXXX and XXXX Credit report.","date_sent_to_company":"2025-02-28T21:13:41.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"02118","tags":"Servicemember","has_narrative":true,"complaint_id":"12243241","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Halsted Financial Services, LLC.","date_received":"2025-02-28T20:52:09.000Z","state":"MA","company_public_response":null,"sub_issue":"Threatened to sue you for very old debt"},"highlight":{"complaint_what_happened":["I am a filing a <em>complaint</em> for XXXX XXXX XXXX  XXXX and Halsted <em>Financial</em> because Im getting harassed for a debt thats not even mine. I had previously disputed this account with XXXX XXXX XXXX  XXXX and the account was removed from my credit report. Now I keep getting text messages from XXXX saying that XXXX XXXX XXXX is threatening to sue me through Halsted <em>Financial</em>. My <em>consumer</em> <em>protection</em> rights are being violated <em>both</em> XXXX XXXX XXXX  XXXX and Halsted <em>Financial</em>."],"company":["Halsted <em>Financial</em> Services, LLC."]},"sort":[15.263286,"12243241"]},{"_index":"complaint-public-v1","_id":"9600602","_score":15.214305,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Complaint Regarding XXXX and XXXX XXXX to Respond to Initial Complaint within Legal Required Timeframe Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX and XXXX regarding their failure to respond to my initial complaint within the legally mandated timeframe, as stipulated by the Fair Credit Reporting Act ( FCRA ). Despite my efforts to resolve the issue directly with XXXX and XXXX, they have not acknowledged or addressed my complaint within the 30-day period specified under Section 611 ( a ) ( 1 ) ( A ) of the FCRA. \n\nOn XX/XX/year>, I submitted a complaint to XXXX and XXXX regarding unauthorized inquiries, identity theft, and inaccurate information on my credit report. Furthermore, I have discovered that XXXX and XXXX have accessed and reported on my credit information for over 10 years without my authorization or knowledge. According to Section 604 of the FCRA, consumer reporting agencies must obtain a permissible purpose before accessing a consumer 's credit report. I did not authorize XXXX XXXX XXXX to use or report on my credit information for any purpose. According to Section 611 ( a ) ( 1 ) ( A ) of the FCRA, upon receiving a dispute, consumer reporting agencies such as XXXX and XXXX are required to conduct a reasonable investigation within 30 days, unless they consider the dispute to be frivolous or irrelevant. In my case, both XXXX and XXXX have failed to adhere to this statutory requirement by not responding at all within the specified timeframe. \n\nThis delay has caused significant inconvenience and potential financial harm to me. As a consumer, I rely on accurate credit reporting to secure loans, housing, and employment opportunities. XXXX and XXXX 's non-compliance with the FCRA has directly impacted my ability to manage my financial affairs and protect my creditworthiness. \n\nTherefore, I request that the Consumer Financial Protection Bureau intervene and take appropriate action against XXXX and XXXX for their failure to comply with federal law. Specifically, I request that XXXX and XXXX be compelled to remove my entire complaint from my credit report immediately, as they have forfeited their right to report it due to their failure to investigate and respond within the required timeframe. \n\nPlease inform me of the steps you will take to address this matter and ensure both XXXX and XXXX 's compliance with federal consumer protection laws. \n\nThank you for your prompt attention to this urgent matter. I look forward to your timely response and resolution of this complaint. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-07-24T21:55:16.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91016","tags":null,"has_narrative":true,"complaint_id":"9600602","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-07-24T21:55:14.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Subject : <em>Complaint</em> Regarding XXXX and XXXX XXXX to Respond to Initial <em>Complaint</em> within Legal Required Timeframe Dear <em>Consumer</em> <em>Financial</em> <em>Protection</em> Bureau, I am writing to file a formal <em>complaint</em> against XXXX and XXXX regarding their failure to respond to my initial <em>complaint</em> within the legally mandated timeframe, as stipulated by the Fair Credit Reporting Act ( FCRA )."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[15.214305,"9600602"]},{"_index":"complaint-public-v1","_id":"9603873","_score":15.200551,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Complaint Regarding Experian and XXXX XXXX to Respond to Initial Complaint within XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX and Experian regarding their failure to respond to my initial complaint within the legally mandated timeframe, as stipulated by the Fair Credit Reporting Act ( FCRA ). Despite my efforts to resolve the issue directly with XXXX and Experian, they have not acknowledged or addressed my complaint within the XXXX period specified under Section XXXX ( a ) ( XXXX ) ( A ) of the FCRA. \n\nOn XX/XX/year>, I submitted a complaint to Experian and XXXX regarding unauthorized inquiries, identity theft, and inaccurate information on my credit report. Furthermore, I have discovered that Experian and XXXX have accessed and reported on my credit information for over XXXX  years without my authorization or knowledge. According to Section XXXX of the FCRA, consumer reporting agencies must obtain a permissible purpose before accessing a consumer 's credit report. I did not authorize Experian XXXX XXXX to use or report on my credit information for any purpose. According to Section XXXX ( a ) ( XXXX ) ( A ) of the FCRA, upon receiving a dispute, consumer reporting agencies such as Experian and XXXX are required to conduct a reasonable investigation within XXXX  days, unless they consider the dispute to be frivolous or irrelevant. In my case, both Experian and XXXX have failed to adhere to this statutory requirement by not responding at all within the specified timeframe. \n\nThis delay has caused significant inconvenience and potential financial harm to me. As a consumer, I rely on accurate credit reporting to secure loans, housing, and employment opportunities. Experian and XXXX 's non-compliance with the FCRA has directly impacted my ability to manage my financial affairs and protect my creditworthiness. \n\nTherefore, I request that the Consumer Financial Protection Bureau intervene and take appropriate action against Experian and XXXX for their failure to comply with federal law. Specifically, I request that Experian and XXXX be compelled to remove my entire complaint from my credit report immediately, as they have forfeited their right to report it due to their failure to investigate and respond within the required timeframe. \n\nPlease inform me of the steps you will take to address this matter and ensure both Experian and XXXX 's compliance with federal consumer protection laws. \n\nThank you for your prompt attention to this urgent matter. I look forward to your timely response and resolution of this complaint. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-07-24T21:54:59.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91016","tags":null,"has_narrative":true,"complaint_id":"9603873","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-07-24T21:33:55.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Subject : <em>Complaint</em> Regarding Experian and XXXX XXXX to Respond to Initial <em>Complaint</em> within XXXX XXXX XXXX Dear <em>Consumer</em> <em>Financial</em> <em>Protection</em> Bureau, I am writing to file a formal <em>complaint</em> against XXXX and Experian regarding their failure to respond to my initial <em>complaint</em> within the legally mandated timeframe, as stipulated by the Fair Credit Reporting Act ( FCRA )."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[15.200551,"9603873"]},{"_index":"complaint-public-v1","_id":"9600601","_score":15.187453,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Complaint Regarding XXXX and Equifax XXXX to Respond to Initial Complaint within Legal Required Timeframe Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax and XXXX regarding their failure to respond to my initial complaint within the legally mandated timeframe, as stipulated by the Fair Credit Reporting Act ( FCRA ). Despite my efforts to resolve the issue directly with Equifax and XXXX, they have not acknowledged or addressed my complaint within the 30-day period specified under Section 611 ( a ) ( 1 ) ( A ) of the FCRA. \n\nOn XX/XX/year>, I submitted a complaint to XXXX and Equifax regarding unauthorized inquiries, identity theft, and inaccurate information on my credit report. Furthermore, I have discovered that XXXX and Equifax have accessed and reported on my credit information for over 10 years without my authorization or knowledge. According to Section 604 of the FCRA, consumer reporting agencies must obtain a permissible purpose before accessing a consumer 's credit report. I did not authorize XXXX XXXX Equifax to use or report on my credit information for any purpose. According to Section 611 ( a ) ( 1 ) ( A ) of the FCRA, upon receiving a dispute, consumer reporting agencies such as XXXX and Equifax are required to conduct a reasonable investigation within 30 days, unless they consider the dispute to be frivolous or irrelevant. In my case, both XXXX and Equifax have failed to adhere to this statutory requirement by not responding at all within the specified timeframe. \n\nThis delay has caused significant inconvenience and potential financial harm to me. As a consumer, I rely on accurate credit reporting to secure loans, housing, and employment opportunities. XXXX and Equifax 's non-compliance with the FCRA has directly impacted my ability to manage my financial affairs and protect my creditworthiness. \n\nTherefore, I request that the Consumer Financial Protection Bureau intervene and take appropriate action against XXXX and Equifax for their failure to comply with federal law. Specifically, I request that XXXX and Equifax be compelled to remove my entire complaint from my credit report immediately, as they have forfeited their right to report it due to their failure to investigate and respond within the required timeframe. \n\nPlease inform me of the steps you will take to address this matter and ensure both XXXX and Equifax 's compliance with federal consumer protection laws. \n\nThank you for your prompt attention to this urgent matter. I look forward to your timely response and resolution of this complaint. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-07-24T21:55:16.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91016","tags":null,"has_narrative":true,"complaint_id":"9600601","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-07-24T21:55:14.000Z","state":"CA","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Subject : <em>Complaint</em> Regarding XXXX and Equifax XXXX to Respond to Initial <em>Complaint</em> within Legal Required Timeframe Dear <em>Consumer</em> <em>Financial</em> <em>Protection</em> Bureau, I am writing to file a formal <em>complaint</em> against Equifax and XXXX regarding their failure to respond to my initial <em>complaint</em> within the legally mandated timeframe, as stipulated by the Fair Credit Reporting Act ( FCRA )."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[15.187453,"9600601"]},{"_index":"complaint-public-v1","_id":"8574420","_score":15.179312,"_source":{"product":"Credit card","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Chase Bank regarding the unjust closure of my credit card account in retaliation for my reporting of their fraudulent practices. Recently, I discovered discrepancies in Chases handling of dispute transactions, where they were unlawfully charging both merchants and consumers for the same disputed amount. \n\nUpon bringing this matter to light and reporting it to appropriate authorities, I was shocked to find that Chase responded by abruptly closing my credit card account without any valid explanation or prior warning. This action not only affects my financial stability but also demonstrates Chase Banks disregard for accountability and transparency. \n\nAs a responsible consumer, I believe it is my duty to report such unethical behavior to prevent further exploitation of both merchants and customers. However, Chase Banks retaliatory measures against me undermine the integrity of the dispute resolution process and intimidate individuals from speaking out against financial misconduct. \n\nI urge the Consumer Financial Protection Bureau to thoroughly investigate this matter and hold Chase Bank accountable for its retaliatory actions. Additionally, I request that my credit card account be reinstated immediately, along with appropriate compensation for the inconvenience and damages caused by Chases unjust actions. \n\nThank you for your attention to this matter. \n\nSincerely, XXXX","date_sent_to_company":"2024-03-18T12:57:22.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"78626","tags":null,"has_narrative":true,"complaint_id":"8574420","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-03-18T12:53:49.000Z","state":"TX","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Dear <em>Consumer</em> <em>Financial</em> <em>Protection</em> Bureau, I am writing to file a formal <em>complaint</em> against Chase Bank regarding the unjust closure of my credit card account in retaliation for my reporting of their fraudulent practices. Recently, I discovered discrepancies in Chases handling of dispute transactions, where they were unlawfully charging <em>both</em> merchants and <em>consumers</em> for the same disputed amount."]},"sort":[15.179312,"8574420"]},{"_index":"complaint-public-v1","_id":"8043209","_score":15.161065,"_source":{"product":"Credit card","complaint_what_happened":"Goldman Sachs Bank claims that [ I ] already received a credit from the merchant for the disputed amount ( attached ) under prior dispute case number XXXX ; note that the disputed amount was {$960.00} for this dispute ( attached ). This was an incorrect statement made by the Bank, as both XXXX XXXX XXXX and the Bank have not collectively issued a total non-provisional credit of {$960.00} to the Apple Card for this transaction made on XX/XX/2023. A complaint has been filed with the Consumer Financial Protection Bureau regarding this false statement, as this specific mis-statement was not addressed by the Bank till date. Moreover, the Bank wrongly marked Consumer Financial Protection Bureau case number XXXX as a duplicate of case number XXXX. The banks issuance of a false assertion about the merchant having issued a credit for the disputed amount, where the disputed amount was {$960.00}, was not addressed and was a separate, distinct complaint.","date_sent_to_company":"2023-12-21T12:34:23.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"20009","tags":null,"has_narrative":true,"complaint_id":"8043209","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2023-12-21T12:26:15.000Z","state":"DC","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["This was an incorrect statement made by the Bank, as <em>both</em> XXXX XXXX XXXX and the Bank have not collectively issued a total non-provisional credit of {$960.00} to the Apple Card for this transaction made on XX/XX/2023. A <em>complaint</em> has been filed with the <em>Consumer</em> <em>Financial</em> <em>Protection</em> Bureau regarding this false statement, as this specific mis-statement was not addressed by the Bank till date."]},"sort":[15.161065,"8043209"]},{"_index":"complaint-public-v1","_id":"21281066","_score":15.15122,"_source":{"product":"Credit card","complaint_what_happened":"I am submitting this complaint against Concora Credit regarding deceptive practices, material misrepresentation, and unauthorized cancellation of a credit protection product tied to my accounts. \n\nThe accounts at issue are : Indigo Credit Card ( Account ending in XXXX ) Milestone Credit Card ( Account ending in XXXX ) On XX/XX/year>, I contacted Concora Credit to request utilization of the credit protection benefits associated with both accounts. During this call, both a customer service representative and a supervisor provided false and misleading information regarding the nature and availability of my credit protection coverage. \n\nSpecifically, I was told that the waiver of a late fee constituted the use of my credit protection benefits. This statement is materially false and misrepresents the fundamental purpose and contractual terms of a credit protection product, which typically includes broader benefits such as payment deferral, balance cancellation, or suspension of obligations under qualifying circumstances. \n\nAs a result of this misinformation : I was denied proper access to the benefits for which I was paying I was misled about my rights and coverage under the program I was prevented from making informed financial decisions Furthermore, on or about XX/XX/year>, Concora Credit unilaterally canceled my credit protection coverage on both accounts without any prior notice, disclosure, or written correspondence. I did not request this cancellation, nor was I provided : Advance notice Reason for cancellation Confirmation of termination Any refund or prorated adjustment ( if applicable ) This conduct raises serious concerns under federal consumer protection laws, including but not limited to : The Truth in Lending Act ( TILA ) requiring clear and accurate disclosure of credit terms and ancillary products The Dodd-Frank Wall Street Reform and Consumer Protection Act, which prohibits unfair, deceptive, or abusive acts or practices ( UDAAP ) The Federal Trade Commission Act, prohibiting deceptive representations in consumer financial products Concora Credits actions constitute : Material misrepresentation of a financial product Failure to honor contractual obligations Unauthorized termination of a paid service Lack of transparency and required consumer disclosures Requested Resolution : I am requesting that Concora Credit : 1. Provide a full written explanation of : The actual terms and benefits of the credit protection program Why I was misinformed on XX/XX/year> The reason for cancellation on XX/XX/year> XXXX. Reinstate my credit protection coverage retroactively, or provide documented justification for why reinstatement is not possible XXXX. Issue a full refund of all fees paid for credit protection on both accounts 4. Conduct a formal review of all call recordings from XX/XX/year> and provide findings 5. Provide compensation for damages resulting from denial of benefits and misinformation 6. Ensure correction of any account impact resulting from this issue If this matter is not resolved, I am prepared to pursue further remedies, including escalation through regulatory enforcement channels. \n\nThis complaint is submitted in good faith and supported by documented account history and call records. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2026-04-15T21:47:21.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"75024","tags":null,"has_narrative":true,"complaint_id":"21281066","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CLGF Holdco 1, LLC","date_received":"2026-04-15T21:37:20.000Z","state":"TX","company_public_response":null,"sub_issue":"Add-on products and services"},"highlight":{"complaint_what_happened":["acts or practices ( UDAAP ) The Federal Trade Commission Act, prohibiting deceptive representations in <em>consumer</em> <em>financial</em> products Concora Credits actions constitute : Material misrepresentation of a <em>financial</em> product Failure to honor contractual obligations Unauthorized termination of a paid service Lack of transparency and required <em>consumer</em> disclosures Requested Resolution : I am requesting that Concora Credit : 1."]},"sort":[15.15122,"21281066"]},{"_index":"complaint-public-v1","_id":"8166635","_score":15.136344,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian and XXXX regarding the inaccurate reporting of a bankruptcy on my credit report. I believe that both credit reporting agencies have violated my consumer rights by including false information that is damaging to my creditworthiness. \n\nDetails of the Inaccuracy : Inaccuracy : Both Experian and XXXX are reporting a bankruptcy on my credit report that does not belong to me. \nExplanation : Upon reviewing my credit report, I discovered that Experian and XXXX are inaccurately reporting a bankruptcy that is not associated with my financial history. I have never filed for bankruptcy, and this erroneous information is having a detrimental impact on my credit score and overall financial well-being. \n\nSteps Taken to Address the Issue : I have taken the following steps to rectify the situation : Contacted Experian and XXXX : I have contacted both Experian and XXXX to dispute the inaccurate information through their dispute resolution processes. \nDocumentation : I have provided supporting documentation, including my credit reports, identification, and any relevant proof that confirms the error. \nDespite my efforts, the inaccurate bankruptcy information persists on my credit reports, and it is crucial that prompt action is taken to rectify this situation. \n\nRequested Actions : I kindly request the Consumer Financial Protection Bureau to investigate this matter and take the necessary actions to compel Experian and XXXX to correct the inaccurate reporting on my credit reports. \n\nEnclosed with this complaint, supporting documentation that may aid in your investigation. \n\nThank you for your attention to this matter. I appreciate your assistance in resolving this issue and ensuring the accuracy of my credit reports.","date_sent_to_company":"2024-01-17T17:08:50.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"44146","tags":null,"has_narrative":true,"complaint_id":"8166635","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-01-17T17:08:47.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["Dear <em>Consumer</em> <em>Financial</em> <em>Protection</em> Bureau, I am writing to file a formal <em>complaint</em> against Experian and XXXX regarding the inaccurate reporting of a bankruptcy on my credit report. I believe that <em>both</em> credit reporting agencies have violated my <em>consumer</em> rights by including false information that is damaging to my creditworthiness. \n\nDetails of the Inaccuracy : Inaccuracy : <em>Both</em> Experian and XXXX are reporting a bankruptcy on my credit report that does not belong to me."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[15.136344,"8166635"]},{"_index":"complaint-public-v1","_id":"11519006","_score":15.122433,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am submitting this formal complaint regarding Zelles inadequate handling of transaction disputes, which I have personally experienced. Despite using Zelle multiple times and reporting transaction discrepancies, both my financial institution and Zelle failed to conduct a thorough investigation into my claims. I was informed that recovering the lost funds was not possible and that tracking the transactions could not be effectively performed. The Consumer Financial Protection Bureaus ( CFPB ) recent findings have further highlighted systemic issues with Zelle, including a failure to protect consumers from fraud and allowing repeat offenders to misuse the platform without proper intervention. This ongoing lack of accountability and transparency is deeply concerning and leaves users, including myself, exposed to financial harm. I urge the CFPB to take decisive action to ensure stronger consumer protections and proper oversight of Zelles dispute resolution practices.","date_sent_to_company":"2025-01-15T02:18:53.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"77320","tags":null,"has_narrative":true,"complaint_id":"11519006","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2025-01-15T02:05:36.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["The <em>Consumer</em> <em>Financial</em> <em>Protection</em> Bureaus ( CFPB ) recent findings have further highlighted systemic issues with Zelle, including a failure to protect <em>consumers</em> from fraud and allowing repeat offenders to misuse the platform without proper intervention. This ongoing lack of accountability and transparency is deeply concerning and leaves users, including myself, exposed to <em>financial</em> harm."]},"sort":[15.122433,"11519006"]},{"_index":"complaint-public-v1","_id":"18272506","_score":15.1157055,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to file a complaint against Portfolio Recovery Associates ( PRA ) for potential violations of the Fair Debt Collection Practices Act ( FDCPA ), the Kentucky Consumer Protection Act ( KCPA ), the Lanham Act, and consumer fraud. PRA has engaged in aggressive and deceptive debt collection practices that may violate both state and federal consumer protection laws.\n\nSpecifically, PRA has been accused of using unfair tactics to collect debts, including but not limited to misrepresentation, failure to provide proper verification of debts, and harassment. These actions are causing financial and emotional distress to consumers, violating both the FDCPA 's provisions against abusive debt collection and the KCPA 's prohibition against deceptive business practices. Furthermore, their practices have also infringe upon the Lanham Act, given the potential false advertising related to the debt collection process.","date_sent_to_company":"2025-12-24T14:36:51.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"I do not know","zip_code":"400XX","tags":null,"has_narrative":true,"complaint_id":"18272506","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2025-12-24T14:27:33.000Z","state":"KY","company_public_response":null,"sub_issue":"Sued you without properly notifying you of lawsuit"},"highlight":{"complaint_what_happened":["I am writing to file a <em>complaint</em> against Portfolio Recovery Associates ( PRA ) for potential violations of the Fair Debt Collection Practices Act ( FDCPA ), the Kentucky <em>Consumer</em> <em>Protection</em> Act ( KCPA ), the Lanham Act, and <em>consumer</em> fraud. PRA has engaged in aggressive and deceptive debt collection practices that may violate <em>both</em> state and federal <em>consumer</em> <em>protection</em> laws."]},"sort":[15.1157055,"18272506"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":13324,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":13324}]}},"product":{"doc_count":13324,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":7823,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":7754},{"key":"Other personal consumer report","doc_count":69}]}},{"key":"Debt collection","doc_count":1542,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":517},{"key":"Credit card debt","doc_count":414},{"key":"Other 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